I use an operating loan for seed fertilizer and fuel every year. Enables me to take advantage of preseason discounts and only one payment. Vs accounts with several vendors that charge 18 percent interest or more after 30 days. I'm not proud nor ashamed of it. Just makes sense for me at this point in my farm career. Plan is to get farm paid for and then there won't be a need for operating loan. I'm 33 years old and hate being in debt but not near as much as I hate working for someone else so lesser of two evils. I do agree the ag economy is not so hot right now but that's why you pay extra on bills and save for a rainy day when able and watch for good deals on faded paint when markets are poor. Otherwise when prices are good so is machinery prices.
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Today's Featured Article - Usin Your Implements: Bucket Loader - by Curtis Von Fange. Introduction: Dad was raised during the depression years of the thirties. As a kid he worked part time on a farm in Kansas doing many of the manual chores. Some of the more successful farmers of that day had a new time saving device called a tractor. It increased the farm productivity and, in general, made life easier because more work could be done with this 'mechanical beast'. My dad dreamed that some day he would have his own tractor with every implement he could get. When he rea
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